Assets

Buildings
The structure of your Property &/or Building including garages, sheds and fences, boundary walls and gates are usually covered under a Fire & Allied Perils Insurance Policy to indemnity you against all loss or damage caused by fire, explosion, cyclone, flood, and earthquakes among others.

Plant, Equipment & Machinery
The Plant, Equipment and Machinery are exposed to a number of risks during their operations such as natural calamities. We will assist you in finding the right product to cover for loss or damage resulting from any accidental breakdown of almost any type of equipment that operates under pressure or that controls, transmits, transforms, or uses mechanical or electrical power.

Stocks and Material in Trade
It refers to Stocks of materials such as semi-finished products, finished products, goods and fixed assets in preparation held by the Insured in trust , care, custody and control or on Commission and for which the Insured is responsible in all or any of the Insured’s Buildings and in open yards around and belonging thereto.

Motor Fleet
The motor fleet insurance policy has been designed to minimise losses, protect drivers and keep your business vehicles moving. This policy protects all delivery vehicles, trucks and heavy transport vehicles against damage caused by the driver and third parties.

Human Resources

Health Insurance
The health insurance is an access to quality healthcare which offers you medical benefits ranging from Inpatient ( e.g Surgery ), Outpatient( e.g Consultations, Dental, Optical) and Catastrophe Cover at the time of an unforeseen medical emergency, such as a heart attack, an accident or the onset of cancer; emergencies which require costly treatment.

Group Personal Accident
This policy covers death / disability bodily injury resulting from an accident on a 24 hour basis or even a worldwide basis caused by outward violent and visible means. Covers is provided to the Insured and/or his employees during their vacation and /or their business trips. Partial and temporary disablement and total permanent disablement are also covered.

Pension Plan
This plan guarantee a lump sum payment and pension at retirement age

Liabilities

Public Liability
This policy cover your business against legal liability that may arise for loss or damage to third party properties, bodily injuries or death, food and drink poisoning and legal expenses.

Employers Liability
This policy will pay for compensation costs and legal fees if an employee or ex-employee sues the Insured for illness or injury which may arise during the course of their employment.

Professional Indemnity (PI)
A Professional Indemnity policy also known as errors and omissions policy aims to protect the company and its employees against liability that may arise while providing professional services to third parties.

Director & Officers Liability (D& O)
D&O insurance is a legal liability policy which provides cover for wrongful acts made by a Director, Officer of a Company or its subsidiary whilst engaged in such capacity. This coverage can be extended to include defense costs arising out of criminal and regulatory investigations, civil and criminal actions brought against directors/officers simultaneously.

Import and Export

Marine
Movement of goods needs to be insured for loss or damage of ships, cargo, terminals, and any transport or cargo by which the property is transferred, acquired, or held between the port of origin and the final destination.